Free UK money tools
The answer, and every line behind it.
Calculators and checkers for UK tax, VAT, business admin and borrowing. Every result shows how it was worked out and which official rules it follows.
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Live
At 6.9% APR over 5 years. Drag to change the amount.
| Amount borrowed | £10,000.00 |
|---|---|
| Monthly rate | 0.5576% |
| Number of payments | 60 |
| Monthly payment | £196.56 |
| Total payable | £11,793.60 |
| Interest | £1,793.60 |
The tools
Rates and rules last checked 6 October 2026.
Business admin
2 toolsUK tax
4 toolsBorrowing
3 toolsLive
At 6.9% APR over 5 years. Drag to change the amount.
| Amount borrowed | £10,000.00 |
|---|---|
| Monthly rate | 0.5576% |
| Number of payments | 60 |
| Monthly payment | £196.56 |
| Total payable | £11,793.60 |
| Interest | £1,793.60 |
The answer firstEvery tool starts with an example filled in, so there’s an answer before you type.
Then every line of the workingsWith numbered sources from GOV.UK, HMRC, the FCA and the law itself.
Nothing keptNo sign-up. Sums run in your browser and we don’t keep what you enter.
How we check the sums
A chartered management accountant signs off every tool before it goes live, and again whenever the rules change.
How we check- Step 1Built from the sourceEvery rate and rule comes from legislation, HMRC manuals, the FCA or GOV.UK.
- Step 2Checked by handTest cases are worked on paper and compared with the tool, line by line.
- Step 3Re-checked on scheduleAfter every Budget and every April, each tool is re-tested and its date updated.
Plain-English guides
All guides How to check a VAT number Check a UK or EU supplier’s VAT number before you pay, and what the result tells you. 3 min read What a UK invoice must include The details every invoice needs, and what sole traders, limited companies and VAT-registered businesses add. 3 min read · goes with the invoice generator Salary or dividends: what directors should take Why £12,570 usually wins, and when £5,000 or a bigger salary is better. 2 min read · goes with the dividend tax calculator The 7-year gift rule explained Which gifts count, the exemptions, and how taper relief cuts the tax. 3 min read · goes with the inheritance tax calculator